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Home Insurance Question - Please Help
Good Morning, I'd welcome any views on the following situation I've tried to make as brief and clear as possible. I own a ground floor flat.The council own the lease on the flat (125 years or so). The flat above me is still fully owned by the council, and inhabited by a council tennant (suffice to say an unusual…
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Car Insurance Premium - Puzzler
Got my car renewal through today - as you would expect an increase in premium. I then got a phone call from my insurers checking that I had received them and asking me if I wanted to renew. When I said that I would be looking around to check for a better deal they immediately reduced my premium by £23. I said that I would…
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Massive problem with insurance assessors
In November 2009 my mother had two houses that were flooded in the Cockermouth floods which dominated the national news for a few days. As an OAP who was very distressed by this, she decided to use the services of an insurance assessor to help her with her claims. In her house of residence, they negotiated a claim and the…
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IS there any legal insurance out there?
Hi, I wanted to find out if there is any legal insurance which would cover any kind of legal expenses. I have had a look online but found very little. I'm not sure if the insurance would be industry specific or not i.e. employment law insurance etc or if it would cover any legal expense. Does anyone know or have any ideas?…
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car insurance anomalys
why is there so much difference in the cost of car insurance from region to region? I live in Harlow, Essex, and am 61, I drive a diesel Volvo S60 and the cheapest quote I have had is £330, yet a friend of mine who lives near Woodbridge in Suffolk, owns a modified Mini Cooper S, and is the same age as me, with full no…
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insurance being very awkward, help
i got burgled 29th of december 2011. Burglars took all my indian jewellery, watches, laptops, consoles, cameras, etc... reported it to police and insurance. My insurance broker is Kwickfit and the underwriters are AXA. A loss adjuster visited my house on behalf of my insurance company. After taking details, pic and…
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Admiral NCB confusion
Hiya, hope you can help. Im very confused. I took out a mutlicar policy with Admiral on 2 cars in my name. My OH is the main driver on 1, and I am the main driver on the other. Each of us are named drivers on the others policy.. hope your with me so far. OH- Car 1 insurance started on 25th Sep 11 for 1 year. Mine- Car 2-…
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Inusrance Broker Non Disclosure to Underwriter
We have taken out insurance using the same broker and underwriter since 2008. We that the broker has not disclosed a material fact about our policy. (Our home suffered a cracked drain which resulted in a crack in the brickwork of the bay - all repaired prior to our purchase some years ago). We disclosed this from the…
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What does this sentence means?
Q1: I was with AA and now got better quote from Post Office. In the Post Office policy they had this sentence: • the walls don't show signs of cracking or bulging what kind of cracks the mean here? the normal ones inside the house? Q2: I once called my previous insurer AA about cracks on the staircase walls but I ignored…
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Co-op refusing to accept NCD
Hello, Last year I was a named driver on my mums policy with co-op insurance, im only 23 so this cut costs. Due to a few changes, this year we changed it so i'm now policy holder and my mums named driver and changed the log book into my name. Got a policy with Co-op Young Driver insurance at the begining of December 2011.…
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Third Party Admitted Liability...But I Still Need To Pay Excess
As the title suggests, I have this morning had complete admission of liability from the 3rd party, however when the repairs are completed my insurance company still want me to pay my excess to the garage and they will then claim this back via their legal assistance department. My question is, is this normal?
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Car insurance premium skyrocketing
Hi, My car insurance with the Green Insurance Company was up for renewal while I still had a claim outstanding. The premium had gone up by almost £300. I called the company and complained, they said that until claims are settled they are treated as 50/50 fault which was why my premium had increased, and that when the claim…
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home insurance excess - can this really be true?
i have a £200 excess on my contents policy. OH fell on dishwasher and it is now leaking and has been leaking without our knowledge so has warped plinth underneath (it is integrated). Rang our insurers re possible claim. Wait for this. We have to send off a cheque for £200 and they will send round a comet engineer to see if…
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Claiming bathroom on insurance?
I've cracked my bathroom sink :( was cleaning it and dropped the ceramic toothbrush holder, it smashed (obviously) and has left a crack in the sink. Is it possible to claim this on my insurance? I have the direct line 'plus' super duper type buildings and contents, so accidental damage is covered. The whole bathroom suite…
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Swinton Cashback deal - invalid code?
Hi Just wondering if anyone else has had trouble with the Swinton home insurance cashback deal. They advertise a promo code on the homepage, but when I enter it in the promo code box during the quote I get an error message: "The promotion code you have entered is invalid. Please try again" I've read the Ts & Cs and can't…
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rip off insurance!!!
I have decided to retire from the taxi trade after 30 long ,hard years during which I only ever had 3 accidents.. the first was a very minor "parking" shunt, my fault . no injuries £600 paid to other driver. The second was a cyclist doing 30 odd mph who hit my vehicle as I was parking 2 mph .but unbelievably I was deemed…
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Admiral Want Money For Discrepancy On Old Policy
Hi there, been going round in circles with Admiral today. Basically i received an email earlier stating: "A check of your policy details against our system records has highlighted a discrepancy in the details you gave us. The information differs to that recorded on another policy with us or another company within the same…
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INSURANCE FOR CAMERA EQUIPMENT - question
hi all. im just about to get some new camera equipment, worth around 2300, plus lenses etc worth about another 1000-1500. im just wondering does anyone know of any insurers that cater specifically for this? or could i just tell my home insurer about these special items? the photo gear is for amatuer use and not…
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optional extras declared on insurance?
Hi, Car insurance renewal time for us, and I've been pondering something I ponder every year. Declaring optional extras. The guide on here says "Always make sure you inform your insurer of any modifications to your car, whether you made them or not, or it may invalidate your policy. A modification is anything that isn't…
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Contents Insurance for Residents of Care Homes
My mother-in-law has just moved in to a care home and I'd like to organise a small amount of contents insurance. Comparison web sites do not appear to offer this option, and web searching has been unsuccessful. Before I go to broker has anyone any other suggestions?
